If memory serves me I believe I also had 1 paid collection that was still showing on my EQ. I believe that more than my 698 FICO was the cause of my denial.
Thanks guys. Some really informative posts in here that is sure to help other posters. Good to ask these type of questions so to learn what options are available.My scores are ok but i do have one baddy on my file that falls off in march.Based on the replies that might be enough to get me denied with USAA.I really want a credit card that offer high limits yet is a bit forgiving if there are a ding or two on your credit report.NFCU sounds like a strong possibility. A family member is taking a job with them soon and that should get me in.Fingers crossed!